{"slug":"mohitagw15856-refinance-breakeven","source_name":"mohitagw15856/refinance-breakeven","name":"Mohitagw15856/Refinance Breakeven","description":"Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.","version":1,"lift":{"pass_rate_delta_pts":24,"pass_rate_pct":68,"total_cases":25,"passed_cases":17,"tokens_delta_pct":63.4,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-09-01T19:07:45.373651+00:00"},"skill_score":0.68,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":24,"with_pass_pct":68,"without_pass_pct":44,"tokens_delta_pct":63.4,"turns_delta_pct":0,"total_cases":25,"cases_aggregated":25,"verdict":"mixed","never_hurt":false,"completed_at":"2026-09-01T19:07:45.373651+00:00","run_id":"3a3e1fc0-73b5-4739-a5ca-16f3fd55f78e","version_number":1,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"e5f0a1475830d61d440d6ea3fd36b87ee453a9f1c76b02bfda0c56f4888a099d","raw_url":"https://app.decimal.ai/s/mohitagw15856-refinance-breakeven/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-refinance-breakeven"}